Put your home's equity to work.
Turn the equity you've already built into flexible cash — with flexible rate options available, borrow up to $750,000, and keep your first mortgage exactly where it is.
Competitive
Rates$750K
Borrow up to~5 min
Preliminary resultVariable rates may increase after closing. APRs, rates, and product availability vary based on individual credit profile and loan characteristics. Subject to credit approval, including credit score and combined loan-to-value requirements, and a first or second lien position on an owner-occupied primary residence. Origination and third-party fees may apply. Not a commitment to lend.
Your HELOC
Rates
Competitive
Max Line
$750K
Funding
Fast*
Your equity, on your terms
Tap what you've built without touching your first mortgage — with flexible rate options available.Flexible rate options
Explore rate options that fit your financial goals.Up to $750,000
Tap serious equity for renovations, debt payoff, or whatever's next.Approve in ~5 minutes
Answer a few quick questions and get your number — fast.Funds in as few as 5 days
Qualified borrowers may receive funds in as little as 5 days. Funding timelines vary.Soft credit pull
See your options with no hard pull and no SSN required to start.First mortgage stays put
Borrow against your equity without touching your low primary rate.A better way to borrow
The same Savvy difference, now on your home equity.A direct lender
We lend directly, with relationships straight to the capital markets, so your line is priced directly by us as your lender — with competitive rates, checked daily.No junk fees
No separate administrative or processing fees. Other lender fees, third-party fees, prepaid items, and program-specific charges may apply.A dedicated team
An advisor who knows home equity cold — with you from check-my-rate to funded.Equity that works as hard as you do
A HELOC gives you a flexible line to draw from — access cash when you need it, up to your approved credit limit, and only pay for what you use.Consolidate debt
Roll high-interest balances into one lower payment. Consolidating debt may extend repayment and increase total interest paid.Renovate
Fund the kitchen, addition, or upgrade that adds real value.Big expenses
Tuition, a wedding, or medical bills — covered on your terms.Stay ready
Keep cash on hand for the opportunity you didn't see coming.Funded in four steps
From checking your rate to cash in hand — most of it happens the same week.STEP 01
Check your rate
A few quick questions. Soft pull only — no hard credit check to start.STEP 02
See your number
Get your estimated available line in seconds — no guessing.STEP 03
Verify & approve
Confirm a few details — approval in about five minutes.STEP 04
Get funded
Sign digitally and access your cash in as few as five days.I rolled three balances into one fixed payment and still had room to redo the kitchen. From check-my-rate to funded was under a week.
The experiences of individual clients may not be representative of the experiences of all clients. Savings are not guaranteed and will vary based on your unique situation and other factors.
HELOC FAQs
A Home Equity Line of Credit lets you borrow against the equity in your home — draw what you need, when you need it. With Savvy it carries a fixed rate, so your payment stays predictable.
Home Equity Lines of Credit (HELOC) feature a draw period followed by a repayment period. During the draw period, you may be required to make only minimum payments. Variable rates are subject to change, which may increase your monthly payment. Tax deductibility may vary; consult a tax advisor.
Your equity is ready when you are.
Check your rate in minutes — soft pull only, no SSN required to see your options.
Credit inquiry disclosure
Using a soft credit pull to check rates only will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.